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Work the best deal you can with an outside mortgage company- now you'll know where you stand and what kind of leverage you'll have; if any, against a national builder.

As usual- as you can see they nickel and dime you too death! Usually the best course of action is to have the builder do the things that are in concrete or inside walls- all other things can be done after closing with contractors of your choice, and at much more reasonable costs (generally, national builder double the cost of upgrades to buyers). The drawback is dealing with the remodeling while living in the house- or have it done after closing but before moving in.